Oh dear! More crap from Morecrap, the yellow envelope gang If I ignore it, they will assume I am purposely avoiding this debt, which I am, not that it`s any of their pathetic business. What can I do? I am doomed! I could buy a canoe and head for South America Anyone know where I can get a yellow envelope? I only want one, for these boring b£%$&*@s N.P

You should really start your own thread with this. Is their any point in replying to such nonsense? Perhaps a letter informing them using a Credit Card is against Trading Standards, as you are effectively paying one debt and creating a larger debt, as the Card Company would be adding interest onto any amounts paid It`s up to you, but I`d ignore it and see if anything more interesting comes along which warrants spending 35p on a stamp.

Bumping this! I don`t know SS, perhaps Magda or someone will be along soon to advise. Good luck anyway!

Simply, they have 12 working days to comply with your request before defaulting. Also allow a further 2 working days for delivery. If it was signed for on the 14th, then start your 12 working days from then. They should respond within that time, if not, they default on your request and then you can legally dispute the account.

It`s not illegal. They have my permission to destroy my data. What else they do is up to them. Who cares anyway? Everything these clowns do is illegal

Is there any hackers out there who would like to trash the systems of these so-called agencies? You have my permission to wipe all of my information from them. There is no need for companies like these, they should be banned! Then lets see the dicks who work for these silly named firms try and get a real job, doing real work instead of trying to bully people into reck and ruin.

Roger that SB

Sunshine, which page is your CCA on? Do you have it scanned up? I`d like to take a peek

Can I just butt in here? Steven, are you saying the Loan MUST have to total amount to be repaid including interest? My Egg Loan shows the amount borrowed, but their is no cost for the interest shown, only something like Interest 8.4% and APR 7.5%. These figures are just out of my head, but that is how it is listed. There is also no TOTAL amount to be paid back, shown. Only something like 84 payments of £208, to be paid untill the outstanding balance is paid off. Any comments on this please? N.P

Sunshine, are you saying the Loan also included cash to yourself as well as paying off other debts? Now, did you receive ALL of the Loan amount, or only the spare cash part?

Shelbelle, Do you have any `Dispute` and `Telephone Harrassment` letters? If not, have they sent you a CCA (without me checking through)? I have some you could edit, if you`d like? Let me know. Why are you speaking to these imbeciles? Your wasting your life away. They want money and nothing else, so they won`t be interested in anything you say anyway, unless you tell them your card details. Tell them to sod off, everything in writing! Period, full stop, end of conversation! Catch you later. N.P

Good thinking ud, but you noticed you can never buy a DL sized card? They are always book sized or the size of a decent box of chocs? Yet, it has been a while sg, drop in anytime if you`d like a chat, or drop iz a mail Soooo, you have had the inconvenience of opening and reading their nonsense too eh? How rude of them. Must be the time of the month. There`s a few of us who have had Morecrap letters these past few days. Yeah, you could add `I beleive this letter to be valid even if not read by you. This includes being lost in the post and being returned to sender, because I have proof of postage, so sod off knob jockeys!`

Thanks for the posts people. Patma, I`ve never had one in a yellow envelope. I`ll wait to see what the silly c*%£s send next, then I might fire off my usual sod off letter, in a red envelope if I can find one

Yep. BLS are part of Lloyds, in fact the address is the same at the bottom of the letter as Lloyds. Is it Greasham Street, I can`t remember. MHA I think is their other `name`, if you have a `Account In Dispute` letter then keep using that, that`s all I do. You may as well ignore it this time, and see what comes next. BLS kept sending me the same old nonsense, but they gave up on the end. I`ve just received a letter Moorecroft this morning regarding my Lloyds account. Have no fear, we are better than those clowns

Evening people, Oh dear, just when I was enjoying the peace and quiet on this, I must have spoke too soon a day or so ago, because this morning I received another letter from a DIFFERENT bunch of bulbs. Yes, this time it`s MORECRAP, giving me mmmmmm, morecrap they`ve had my Argos and Egg accounts, and now this. Boo hoo sniff Oh well, here it goes, these much be the seventh or eighth circus of clowns to have this particular account now. I guess the usual `Account STILL In Dispute, so p!$$ off` letter. N.P

I would argue that point, they also don`t have a total payback sum. How would you know how much you have actually borrowed and how much you actually pay back without working it out yourself? These agreements are supposed to be imbecile proof and are supposed to contain all the information required. They are supposed to be for the layman who doesn`t have a clue about the rules and regs etc.

Smogzy, are you saying Interest WAS added to the Acceptence Fee or WASN`T added? If it was, then that could blow this agreement away for you. I like how they call these little profit making rip-off charges `Acceptence Fee`s`. The fact they add interest in the first place simply isn`t enough for these parassites.

Sometimes when you right to BLS, then may right back and say we have contacted our client (the gimp at the desk in front) and await further instructions. I would just ignore these imbeciles until you get something more threatening or interesting, saves the paper work and stamps. You may here from SC&M, but these amateurs are easy to scatter . There are the in-house Solicitors for Lloyds TSB, who are at the next desk behind the clown behind the gimp in front. You`ll find they are all located between the Coffee Machine and Cleaning Cupboard

Are you being hassled for this Loan in any way? Or wanting to claim something back? Looks to me like they have aded interest onto the acceptance fee, which is a total NO NO! Also, yes the other agreement is a serious breach of the DPA. Report them to the ICO immediately, and inform them about these clowns. I wouldn`t bother letting the Loan Compant know, let the ICO inform them N.P

Why don`t you just ignore these clowns then? I only write to these empty heads when I have to. Have you had any mail from BLS or anyone else with a stupid 3 letter name? If you have, write to them and tell them if they want to come around then will be charged £1000 per visit, and by knocking on your door will be deemed to have accepted your terms. When they don`t pay up you could give their details to a proper DCA. Or, just tell them to sod off!

Try the one at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112783-lloyds-tsb-mastercard-4.html#post1303328

There`s a better finished version later on I think ;-)

The CCA can be found here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182571-n-p-egg.html#post2025655 Note also, their is no total figure or how much interest they are adding. It`s like Iam supposed to work it out myself. The small print reads something like `monthly payments to be maintained until the balance is paid in full, unless something else is added (charges) which will up the amount, in which monthly payments must be maintained untill the balance is paid off`. What kind of gibberish is that?

Hi mc, Thanks for the input dude. I do actually have a CCA from Egg, they sent it months ago, before the clowns starting bugging me. It`s just when Morecrap hit the scene, I CCA`d them, and they responded stating they couldn`t provide it. Now, ARC (another silly 3 letter company) and this wannabe legal eagle is giving me some static. When I informed them that Morecrap were unable to provide a CCA, they came back with Egg have already sent me a CCA. This may be so, but as far as I`m concerned, these clowns are the ones that are chasing me, so they should provide me with one. Morecrap never, so my request is still standing. Do you agree? Also, like mentioned before, the Agreement shows a single Loan amount of £13,000. I did not at all receive this figure, as they kep half of it to pay off an Egg Card. The other half was deposited into my Bank Account, so they say, although I can`t find any reference to it at all, even from Bank Statements. So, they can prove they gave me it, AND that I received it. Let`s also say, they decided to pay off the Card themselves, using the money I was supposed to receive, from their Agreement. They then decided to close the account, so I don`t owe anything on that. However, they now owe me THAT actual half of the Loan which they used to pay off the Card. I say that, because if the Agreement was laid out correctly, IE a Multiple Agreement stating both the Restricted Use and Un-Restricted Use there would be no complications. But, as the Agreement, only shows one £13,000 Loan, which I didn`t receive, there is now an arguement. They only gave me half, which I can`t find any trace of, and kept the other half. The owe me that other half, because I never received it. They paid off and closed the card themselves. Any comments on that anyone? Also, if these gimps show up with the CCA, I will then explain my dispute with them, and not before. There is also a few hundred pounds of charges applied. They also sent me a statement with the CCA. It shows the Loan was actually split on two, one part which they kept, I never received it. I beleive this not to be the case in the Hannah Case, where it is beleived the FULL amount was handed over, although their Solicitor received it. N.P

It`s easy, I hate those people! Saying that, it`s been mighty quiet for quite a while now, not tempting fate of course Then again, I`ve got nothing to say to them